--Yes, yes there are those people around who are loudly telling everyone how mean their stud is, and taking studs to shows without preparing them properly. Some people get a thrill out of telling others lurid stories about stallions. It's kind of a person's way of being a bully, basically.
--The majority have well mannered stallions and show them, take them to clinics, handle them with complete safety, put their infants up on them for the lead line class, and don't have problems. The shows I go to, there are stallions all over the place, big ones, acting like perfect gentlemen. All the time. With kids riding them, with old ladies riding them.
--Most stallions are like that.
--IF they're not, they should be put down. Someone knowingly keeps a bad stallion around to make a few bucks off breeding him, well, that's how some people are. That's not how every stallion owner is.
--The stallion was loose in the arena, he wasn't really loose on the property, was he? You went in to get your brush, and didn't see he was loose in the arena, and he ran over to you. You waved your arms and he ran off.
--My guess is that the owner spent a lot of time 'playing' with him in the arena, teaching him to do stupid, dangerous stuff, chase her around and 'play' with her.
--I've seen people do it. They teach their horses bad habits.
I told the owners of the barn and they spoke with her about it. I know she is ticked as heck at me over it...
--I would just leave it alone and not say anything about it. It sounds like it scared you half to death and you might have over-reacted maybe a little. But that happens. No one should hold it against you.
--The owner of the horse doesn't owe you an apology, unless she actually turned the horse loose on the property and wandered away. It would be a little more commonsense if people stuck around when they turned their horse out, but they don't always.
-- You don't owe anyone an apology either - you got scared half to death and you could have gotten bumped or pushed over.
--Some barns have rules that no one can turn out in the arenas. That ends a lot of these incidents and things go an awful lot smoother if the owner can see his/her way to do that.
-- If there's a rule is posted prominently and the owner still did it, she owes the farm owner and you an apology. One place I boarded, there was a 25 dollar fine for every time someone turned a horse out in the arena. It was not allowed.
--There was one gal who still did it. She would try to sneak in and do it when there weren't many people around. She did get mad at those who tattled on her. Well no matter, she was always walking around looking like a sourpuss anyway.
--I think being afraid of studs, it probably scared you half to death.
--But I would bet you lunch at a real nice place, that the woman played with him in the arena and taught him to act like that.
-- And I'd like you to know that most stallions are well trained, act like gentlemen in public, and have responsible, sensible owners.